8.
Freicoin Launched Dec 2012• Motivation: Tax the rich• Today, the rich get richer• In Freicoin, the rich get poorer• Negative interest (demurage)• Money disappears from you and goes to miners

9.
Ripple Launched Jan 2013• Motivation: Replace banks but not your currency• Not a blockchain, not a fork!• Unlike the others, a strong startup with high profile personnel.• Represents money as debt/trust/IOUs